Financial Planning for Widowhood, Divorce, and Blended Families

Comprehensive Financial Planning Includes:


Charitable Giving Solutions


Customized Advance and Protect Asset Allocation Model


Employer Sponsored Retirement Plan Asset Allocation Review & Recommendations


Estate & Legacy Planning & Coordination


FAFSA Review and Education Planning


Opportunity Fund Planning (second home, travel, etc)


Protection Planning and Insurance Analysis (life, disability, long term care, etc.)


Required Minimum Distribution (RMD) Strategies


Retirement Accumulation/Income Distribution Plan


Social Security Breakeven Analysis


Spending/Transaction Analysis & Future Spend Tracker


Stock Option/Restricted Stock Units Guidance

Tools and Benefits


AdviceWorks® Client Portal & App

  • Online personal document vault
  • Client access to financial planning tools
  • Account Aggregator
  • Spending/Transaction Tracker

Reviews, Reports, and Updates

  • AssetMap® Visual Balance Sheet
  • Financial Virtues® Assessment
  • Monthly and Quarterly Investment Reports
  • Monthly Educational Topic Newsletter and Update
  • Quarterly Economic/Portfolio Review
  • Quarterly Educational/Q&A webinars
  • Riskalyze® Advanced Investment Risk Alignment Report
  • Two Guided Family Financial Conversations

Exclusive Advisor Access

  • Accompany you to four essential visits (virtual or in person local visits)
  • Assistance with document organization and creation of your Personal Document Locator

Our Engagement Together

Our engagement is a long-term partnership so that we can have a deep understanding of your aspirations and priorities and we work together to ensure that you stay on track to reach your financial goals through discovery sessions, goals setting, implementation, and more. There are 2 engagement options to fit your needs.

  • Discovery Session
  • Goal Setting and Strategy Session
  • Financial Plan Findings and Recommendations
  • Investment Portfolio Review and Evaluation
  • Implementation Session
  • Semiannual Reviews
  • Annual Updates

Option #1: Investment Advisory & Financial Planning

Investment Advisory Fee Schedule*

Up to $100K 


$100K to $250K 


$250K to $500K 


$500K to $750K 


$750K to $1M 


$1M to $1.2M 


$1.2M to $1.5M 


$1.5M to $2M 


$2M to $2.5M 


$2.5M to $3M 


$3M to $3.5M 


$3.5M to $5M 


$5M and above 


Financial Planning

Full financial plan is included in the fee schedule above

*$500K is a household minimum. Annual investment advisory tiered fees are billed quarterly and based upon the account value at the end of each quarter. Householding benefits are extended to family members by account balance aggregation to reach advisory fee breakpoints

Option #2: Financial Planning Only

Planning Fee $10,000
Recurring Monthly Charge $175

Get in touch with us today.

Whether you've currently experienced a major finanical transition or want to prepare for life’s unexpected situations, we would love to get to know you! Schedule a complimentary 10-minute introduction call with Donna right here:

See our financial planning services and Checkout Donna's background on FINRA's BrokerCheck

Sephton Financial, LLC

8200 Flourtown Ave
Suite 1B
Wyndmoor, PA 19038
o. 215 948 3945  f. 267 422 3664

Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated.

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.


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